In regards to EP-Area Manager,take responsibility and stop playing the victim, no one is forcing you to vote and no one is making you work for an industry you don't believe in! If you dislike your job and feel you are so under paid, QUIT! You quite obviously know very little about the industry in which you work, if you did, you would be aware of the strict guidelines already in place and the even higher standards of those that are members of the CFSA. If you really are an area manager, you would think you would be a little more educated in your own industry! Perhaps you should stop and learn a little more about the field you work in before expressing your opinion on something you clearly are not quialified to do. I am tired of politicians trying to force their views on me as if I am too stupid to have my own. If I choose to borrow money and pay a nominal fee to do so at a payday loan company, that is MY choice and no one elses! Rather than the politicians making the decisions for consumers, why not let us, we will vote with our dollars. If we don't agree with the industry we stop spending money and they shut down, if they are of use to us, we utilize them when we need it and they stay open. The need for this type of short term credit is real and is some consumers only option when sudden cash needs arise, especially now that credit cards and bank loans are increasingly harder to get! These companies stay open because people need them and use them, stop trying to "protect" me from my own decisions, I have researched my options and this type of short term loan works very well for me when I am short on cash, and the low cost of these loans is just icing on the cake!